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近些年,我国兴起了互联网金融创新的热潮,传统电商纷纷把目光投向了金融领域,与银行、债券公司等机构展开了竞争。这一现象直接影响了我国金融市场的格局,在一定程度上加快了货币流通速度,对货币乘数进行了有效的放大;而互联网金融的诞生也影响了货币交易市场,它在增加了支付功能的同时,使资金的流动性大大提升,对利率的市场化有很强的推动作用,但是给一些利润较低的商品带来了很大的竞争压力。本文从互联网货币经济方面展开,剖析互联网金融给整个金融市场带来的影响。
In recent years, the rise of Internet financial innovation in our country has brought a wave of traditional electricity suppliers have turned their attention to the financial sector, with banks, bond companies and other agencies to compete. This phenomenon has a direct impact on the pattern of China’s financial market, to a certain extent, speed up the circulation of money, the currency multiplier has been effectively amplified; and the birth of Internet finance has also affected the currency trading market, it is increasing the payment function At the same time, the liquidity of funds has been greatly enhanced, which has a strong impetus effect on the marketization of interest rates. However, it has brought a lot of competitive pressure on some products with lower profits. This article starts from the Internet monetary economy and analyzes the impact of Internet finance on the entire financial market.